Journal of Development and Agricultural Economics
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Article Number - 3679FA366918


Vol.10(1), pp. 15-21 , January 2018
DOI: 10.5897/JDAE2017.0878
ISSN: 2006-9774



Full Length Research Paper

Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria



Ugwuja V. C.
  • Ugwuja V. C.
  • Department of Agricultural Economics and Extension, University of Port Harcourt, Port Harcourt, River State, Nigeria.
  • Google Scholar
Nweze N. J.
  • Nweze N. J.
  • Department of Agricultural Economics, University of Nigeria, Nsukka, Enugu State, Nigeria.
  • Google Scholar







 Received: 20 September 2017  Accepted: 13 October 2017  Published: 31 January 2018

Copyright © 2018 Author(s) retain the copyright of this article.
This article is published under the terms of the Creative Commons Attribution License 4.0


Available statistics confirmed that men have access to credit more than women in Nigeria because men have assets which serve as collateral for accessing credit. Credit is essential to farmers, especially the small-scale farmers who have limited capital for their production but constitute the greatest force in food production in many developing countries. The study was carried out to investigate micro-loan sizes accessed by male and female small-scale agro-entrepreneurs in the Niger Delta region of Nigeria on a comparative basis. Multi-stage sampling technique was used to collect data from 373 respondents who were either client of formal, semiformal or informal microcredit institutions. Z-test results revealed that loan sizes accessed from formal source showed that there was no significant difference between the mean amount accessed by men and women borrowers. Also for the informal micro-credit, there was no significant difference (p>0.50) between the mean amount of loan accessed by male and female agro-entrepreneur borrowers. The result of the semiformal loans showed that there was a significant difference (p<0.05) between the mean amount of loan, accessed by male and female borrowers. The study recommends that micro-credit schemes which are the major strategy for formal financial inclusion in Nigeria have really impacted positively on women’s loan sizes, and should be sustained to close the gap existing between men and women in accessing microcredit.
 
Key words: Gender, micro-credit, male agro-entrepreneurs, female agro-entrepreneurs, loan size, formal and informal sources, borrowers.

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APA Ugwuja, V. C., & Nweze, N. J. (2018). Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria. Journal of Development and Agricultural Economics, 10(1), 15-21.
Chicago Ugwuja V. C. and Nweze N. J.. "Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria." Journal of Development and Agricultural Economics 10, no. 1 (2018): 15-21.
MLA Ugwuja V. C. and Nweze N. J.. "Gender analysis of micro-loan sizes accessed by small-scale agro-entrepreneurs in the Niger Delta region of Nigeria." Journal of Development and Agricultural Economics 10.1 (2018): 15-21.
   
DOI 10.5897/JDAE2017.0878
URL http://www.academicjournals.org/journal/JDAE/article-abstract/3679FA366918

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